While paying with a credit card is easy, even if you don't own money or the credit card. And that sums up the main problems with credit cards. Paying with Bitcoin is impossible if you don't own any bitcoins, or can buy them from someone willing to take the risk off the merchant, and that is exactly how it should be. It is a feature. If you don't understand that, you have missed something very important.
TAre you saying that it's easier to do credit card fraud than Bitcoin fraud?
I actually can't argue with that, since I have no idea how credit card fraud works. I do know one thing though, people go to prison for credit card fraud but Bitcoin fraud seems to be done openly and with impunity.
If you take Satoshi Dice out of the equation, I wonder how many bitcoin transactions have been people sending money to a place where they expected to get their coins back somehow and didn't in the end. I'd imagine a not inconsequential percentage.